Foster & Motley : A Podcast About Wealth & Life

In this episode of the Advisor Exchange series, we’re joined by Lucas Hail, MBA, CFP®,  Financial Planner and Shareholder, and Zachary Horn, MBA, CFP®, CMFC®, Managing Partner/President, Investment Manager, and Shareholder, as they sit down for a conversation about their journeys to Foster & Motley, what keeps them passionate about the work they do, and the relationships that have shaped their careers. 

From growing up in Kentucky and Ohio, respectively, to finding their way into financial services, Luke and Zach share stories about family, travel, mentorship, sports, and unexpected experiences that have shaped who they are today. 

Resources Mentioned:

Website: https://www.fosterandmotley.com/

Connect with Luke or Zach:

(513) 561-6640

https://www.fosterandmotley.com/

Luke’s LinkedIn: https://www.linkedin.com/in/luke-hail-cfp%C2%AE-b606679/ 

Zach’s LinkedIn: https://www.linkedin.com/in/zachhorn/ 

Foster & Motley’s LinkedIn: https://www.linkedin.com/company/fosterandmotley/

#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

The content in this podcast episode has been made available for informational and educational purposes only and is not intended to be substituted for professional financial advice. Rules and Regulations are subject to change. Always seek the advice of a financial advisor and other qualified financial service providers with any questions regarding your financial planning and investments.

The information discussed and posted represents the views and opinions of the guests and does not necessarily represent the views and opinions of Foster & Motley. Foster & Motley is not affiliated with any 3rd party providers. Any mention of a 3rd party provider doesn’t imply an endorsement of that provider. If you decide to utilize a 3rd party provider, you do so at your own risk.

Past performance is not indicative of future results. Diversification and asset allocation do not guarantee better performance and cannot eliminate the risk of investment loss. Foster & Motley assumes no obligation to update this information or to advise on further developments relating to these topics.

In this episode, we’re joined by investment manager Rachel Rasmussen and financial planner Megan Lyons as they dive into what the first year of your financial journey with Foster & Motley looks like.

From those first conversations and the sometimes tedious data gathering to building a customized financial plan and investment strategy, Rachel and Megan walk through what happens during the first year, including conversations around cash flow, insurance, estate planning, taxes, investments, and the goals that matter most to each client.

Resources Mentioned:

Website: www.fosterandmotley.com

First Year Journey Document: https://www.fosterandmotley.com/Portals/fosterandmotley/Documents/F_M_First_Year_Journey_Timeline_ao_Nov2022.pdf

Connect with Rachel or Megan:

(513) 561-6640

www.fosterandmotley.com

Megan’s LinkedIn: https://www.linkedin.com/in/meganlyonscfp/ 

Rachel’s LinkedIn: https://www.linkedin.com/in/rachel-rasmussen-cfa-cdfa/ 

Foster & Motley’s LinkedIn: https://www.linkedin.com/company/fosterandmotley/

#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

In this episode, we’re joined by Ryan English and Nicholas Roth; both are shareholders at Foster & Motley, but Ryan is an investment manager, and Nick is a financial planner. They’re stepping away from the numbers and sharing a little more about the people behind the portfolios.

They share stories from their careers, the experiences that influenced their paths in the financial services industry, and the lessons they’ve learned along the way. From unexpected turns to learning to fly planes, they open up about what brought them here and how those experiences continue to influence the way they work with clients today.

Resources Mentioned:

Website: www.fosterandmotley.com

Connect with Ryan or Nick:

(513) 561-6640

www.fosterandmotley.com

Ryan’s LinkedIn: https://www.linkedin.com/in/j-ryan-english-mba-cfa-cpa-cfp/

Nick’s LinkedIn: https://www.linkedin.com/in/nickroth14/

Foster & Motley’s LinkedIn: https://www.linkedin.com/company/fosterandmotley/

#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

In this episode, Foster & Motley team members reflect on the best financial decisions they’ve ever made and how, in many cases, that led them to Foster & Motley. From early lessons in discipline and risk-taking to career pivots and personal milestones, each story highlights the deep connection between financial decisions and life outcomes.

Our guests are Elizabeth M. Green, CFA, Investment Manager and Shareholder; David J. Nienaber, MBA, CPA, CFP®, Financial Planner and Shareholder; Thomas J. Guidi, CFA, Investment Manager, Co-Chief Investment Officer and Shareholder; Zachary T. Horn, MBA, CFP®, CMFC®, Managing Partner/President, Investment Manager and Shareholder; Rachel A. Rasmussen, MBA, CFA, CDFA®, Investment Manager and Shareholder; and Zach T. Binzer, CFP®, Financial Planner and Shareholder. Each shares personal insights that have shaped their journeys.

Key Takeaways:

(00:44) The impact of learning smart money habits early.

(02:26) How career paths are often shaped by personal relationships.

(03:40) The long-term benefits of taking calculated financial risks.

(07:40) The value of aligning financial decisions with family priorities.

(09:11) The financial advantages of building a life with a partner.

(10:17) How investing in education can create career momentum.

(14:31) The role of mentorship and support in professional growth.

(17:31) The importance of seeking fulfillment alongside financial goals.

(19:35) How past experience can support a successful career transition.

Resources Mentioned:

Foster & Motley, Inc. | Website

https://www.fosterandmotley.com/

Chartered Financial Analyst (CFA) Program

https://www.cfainstitute.org/programs/cfa-program

Xavier University MBA Program

https://www.xavier.edu/master-of-business-administration/

Certified Financial Planner (CFP) Designation

https://www.cfp.net/get-certified/certification-process

University of Dayton MBA Program

https://udayton.edu/business/

Connect with Elizabeth Green, David Nienaber, Thomas Guidi, Zachary Horn, Rachel Rasmussen and Zach Binzer:

[email protected]

+1 513-561-6640

Foster & Motley

https://www.fosterandmotley.com/

LinkedIn: Elizabeth Green

https://www.linkedin.com/in/elizabeth-m-green-cfa/

LinkedIn: David Nienaber

https://www.linkedin.com/in/dnienaber/

LinkedIn: Thomas Guidi

https://www.linkedin.com/in/thomas-guidi-cfa-21830952/

LinkedIn: Zachary Horn

https://www.linkedin.com/in/zachhorn/

LinkedIn: Rachel Rasmussen

https://www.linkedin.com/in/rachel-rasmussen-cfa-cdfa/

LinkedIn: Zach Binzer

https://www.linkedin.com/in/zach-t-binzer-cfp/

LinkedIn: Foster & Motley, Inc.

https://www.linkedin.com/company/fosterandmotley/

#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

Thomas J. Guidi, CFA, Investment Manager, Co-Chief Investment Officer and Shareholder at Foster & Motley, Inc., explains the misunderstood role of cash in financial planning. He outlines how to approach liquidity needs, make the most of different cash vehicles and avoid common pitfalls when managing excess cash. Thomas also explores how advisors can help individuals match their cash strategy with both immediate and future needs, ensuring that every dollar has a purpose.

Key Takeaways:

(01:31) Maintaining a buffer for expected and unexpected expenses is important.

(03:22) Excess cash holdings may limit potential long-term growth.

(04:37) Understanding liquidity needs helps determine appropriate financial tools.

(06:26) Some cash vehicles may offer higher returns than others.

(06:55) Matching the timing of future expenses with investment maturity can be beneficial.

(07:41) Risk levels and protections vary across different cash management options.

(08:48) Financial professionals can provide guidance in choosing between available options.

Resources Mentioned:

Foster & Motley, Inc.| Website

https://www.fosterandmotley.com/

Connect with Thomas Guidi:

[email protected]

+1 513-561-6640

Foster & Motley, Inc.

LinkedIn: Thomas J. Guidi, CFA

https://www.linkedin.com/in/thomas-guidi-cfa-21830952/

LinkedIn: Foster & Motley, Inc.

https://www.linkedin.com/company/fosterandmotley/

#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

In this episode, we’re joined by Rachel Rasmussen, MBA, CFA, CDFA®, Investment Manager and Shareholder, and Joe Patterson, CFP®, Financial Planner and Shareholder, both at Foster & Motley, Inc. Together, they navigate the financial and emotional complexities that follow the death of a spouse, offering a compassionate and pragmatic look at planning for one of life’s most difficult transitions.

Rachel and Joe outline the importance of preparing in advance. They walk through the steps survivors must take in the immediate aftermath of a loss. From accessing cash and organizing documents to managing ongoing bills and updating estate plans, they explain how thoughtful planning and the right support system can make a significant difference during a deeply emotional time.

Key Takeaways:

(01:08) Take time before making major financial decisions.

(02:37) Rely on a support network of professionals and loved ones.

(05:35) Prepare necessary documents to facilitate transitions.

(08:28) Ensure continuity of income through proper coordination.

(11:54) Keep an organized overview of financial assets.

(15:06) Set up account access in advance to avoid complications.

(19:49) Safeguard and share digital access information appropriately.

(20:54) Communicate the location of key legal documents.

(26:48) Reevaluate financial plans and goals as circumstances change.

Resources Mentioned:

Foster & Motley, Inc. | Website

https://www.fosterandmotley.com/

Connect with Joe Patterson and Rachel Rasmussen:

[email protected]

+1 513-561-6640

Foster & Motley

https://www.fosterandmotley.com/

LinkedIn: Joe Patterson

https://www.linkedin.com/in/josephapatterson/

LinkedIn: Rachel Rasmussen

https://www.linkedin.com/in/rachel-rasmussen-cfa-cdfa/

LinkedIn: Foster & Motley, Inc.

https://www.linkedin.com/company/fosterandmotley/

#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

In this episode, we hear from Foster & Motley, Inc.’s Luke Hail, MBA, CFP®, Financial Planner and Shareholder, and Zach Horn, MBA, CFP®, CMFC®, Managing Partner, Investment Manager and Shareholder. They discuss how money mindsets, shaped by upbringing, experience, and environment, affect financial decisions. Drawing on years of advising high-net-worth clients, they highlight how understanding these mindsets can help individuals and couples make aligned choices, avoid unnecessary friction, and gain peace of mind through thoughtful planning.

Key Takeaways:

(01:16) A money mindset forms early and drives financial behavior.

(04:34) Differing mindsets can create tension in relationships.

(09:07) Emotions can impact financial decisions.

(10:47) Advisors help clients navigate financial pressure.

(13:30) Clear planning builds confidence to spend or give.

(16:58) Giving during life can be more meaningful than waiting.

(21:01) Diversification supports long-term stability.

(22:42) Reducing stress improves financial resilience.

Resources Mentioned:

Foster & Motley, Inc. | Website

https://www.fosterandmotley.com/

Connect with Luke Hail and Zach Horn:

[email protected]

+1 513-561-6640

Foster & Motley

LinkedIn: Luke Hail

https://www.linkedin.com/in/luke-hail-cfp%C2%AE-b606679/

LinkedIn: Zach Horn

https://www.linkedin.com/in/zachhorn/

LinkedIn: Foster & Motley, Inc.

https://www.linkedin.com/company/fosterandmotley/

#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

In this episode, we’re joined by David Nienaber, MBA, CPA, CFP® and Joe Patterson, CFP®, both Financial Planners and Shareholders at Foster & Motley, Inc.. Together, they discuss the importance of estate planning, especially when helping aging parents navigate their financial affairs.

They share their experiences working with clients and families and shed light on the generational challenges and misinformation that can create unnecessary stress during already difficult times. David and Joe outline practical steps to simplify financial matters, foster open communication, and avoid costly mistakes during estate settlement.

Key Takeaways:

(02:20) Creating a clear picture of assets is essential.

(03:42) Proper documentation helps reduce stress for loved ones.

(06:04) Misinformation often delays important financial conversations.

(07:04) Legal and financial rules vary significantly by location.

(10:17) Many people are unaware of their roles in estate plans.

(13:50) Generational experiences shape views on money and planning.

(17:24) Maintenance tasks are vital after setting up an estate plan.

(21:00) Having open discussions can help prevent future confusion.

(25:59) Easy access to digital and financial information is crucial.

Resources Mentioned:

Foster & Motley, Inc. | Website

https://www.fosterandmotley.com/

Foster & Motley Family Letter Template

https://www.fosterandmotley.com/insights/2019/10/25/a-practical-addition-to-your-estate-plan

Connect with Joe Patterson and David Nienaber:

[email protected]

+1 513-561-6640

Foster & Motley

https://www.fosterandmotley.com/

LinkedIn: Joe Patterson

https://www.linkedin.com/in/josephapatterson/

LinkedIn: David Nienaber

https://www.linkedin.com/in/dnienaber/

LinkedIn: Foster & Motley, Inc.

https://www.linkedin.com/company/fosterandmotley/

#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

Rachel Rasmussen, MBA, CFA, CDFA®, Investment Manager and Shareholder, and Zach Binzer, CFP®, Financial Planner and Shareholder, both of Foster & Motley, Inc., discuss the importance of evaluating financial advice. They explore how to differentiate between well-intended recommendations and misleading information, the role of emotions in investing and the importance of staying disciplined with financial decisions.

Key Takeaways:

(00:52) People share wins, not losses.

(01:58) Always question the intent behind advice.

(03:52) FOMO can lead to bad investments.

(04:25) Expertise in one field doesn’t mean expertise in investing.

(06:29) Trends don’t always fit your situation.

(07:35) Ask for details before acting.

(09:32) A financial advisor gives perspective.

(11:32) Discipline beats emotional decisions.

Resources Mentioned:

Foster & Motley, Inc. | Website

https://www.fosterandmotley.com/

Connect with Rachel Rasmussen and Zach Binzer:

[email protected]

+1 513-561-6640

Foster & Motley

https://www.fosterandmotley.com/

LinkedIn: Rachel Rasmussen

https://www.linkedin.com/in/rachel-rasmussen-cfa-cdfa/

LinkedIn: Zach Binzer

https://www.linkedin.com/in/zach-t-binzer-cfp/

LinkedIn: Foster & Motley, Inc.

https://www.linkedin.com/company/fosterandmotley/

#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

Choosing where to live in retirement is about more than just finances — it’s about creating a home that aligns with evolving needs, goals and lifestyles.

In this episode, Joe Patterson, CFP®, and David J. Nienaber, MBA, CPA, CFP®, both Financial Planners and Shareholders at Foster & Motley, Inc., discuss the financial and emotional considerations of downsizing, upsizing and rightsizing in retirement. They explore how housing decisions impact long-term financial security and lifestyle, highlighting real client experiences and key factors to consider when planning for the future.

Key Takeaways:

(00:52) Downsizing isn’t always the answer.

(02:23) Social norms push downsizing, but it’s not for everyone.

(06:56) Retirement communities offer long-term security.

(08:28) Continuous care communities provide peace of mind.

(11:05) Renting first helps retirees find the right fit.

(13:15) Downsizing often costs more than expected.

(16:09) Insurability is a growing issue in high-risk areas.

(19:07) Family talks are crucial for vacation home plans.

(21:31) Emotional ties make relocation tough.

(25:02) Tracking routines before moving prevents surprises.

Resources Mentioned:

Foster & Motley, Inc. | Website

https://www.fosterandmotley.com/

Connect with Joe Patterson and David Nienaber:

[email protected]

+1 513-561-6640

LinkedIn: Joe Patterson

https://www.linkedin.com/in/josephapatterson/

LinkedIn: David Nienaber

https://www.linkedin.com/in/dnienaber/

LinkedIn: Foster & Motley, Inc.

https://www.linkedin.com/company/fosterandmotley/

#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast